Thanks. The second Fidelity rep I spoke to said that if I did nothing, did not provide the W-4P, the default withholding would be "married, with 3 deductions." I have no idea if that equates to 10%. Ten percent would be better than nothing. And while I am thinking about this, my advisor at Morgan Stanley said, "Fidelity must already have a W-4 in your file because they were withholding taxes for you previously."
